Same thing happened to me. My debit card was stolen and somehow they got my PIN number. The took out the $600 I had in the account, plus they deposited a fake check for $1900 into my account and spent all of that. So my account sits at -$1900. Chase denied my claim over and over and over again because they said it is a black and white issue. If there is no sign that Chase got hacked into in order to get my PIN, then I must have not adequately protected my PIN number. (Also my PIN number wasn't my b-day, s.S. #, or 1234 or written on the card... It was completely random that I had memorized). I fought it all the way to the "Executive office" where I was told that all PIN transaction claims were AUTOMATICALLY denied if there was no sign Chase was hacked into. AUTOMATICALLY!!! That means they don't even look at the case. Anyway, not only is Chase saying I am out the $600, but they expect me to cover the -$1900 my account is over-withdrawn. This is criminal on their part. Please if someone is a lawyer or has an attorney friend, please put together a class-action suit. This cannot be legal. Everyone at Chase has told me that they know it is fraud, but their "guidelines" do not allow them to return any money.
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